The Chase Sapphire Preferred Credit Card is one of the most sought after cards when it comes to accumulating points and travel protection, but does it really pay off?
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We have selected all the benefits and differentials of the Chase Sapphire Preferred Credit Card, including welcome bonuses, points program, travel perks and extra protections to ensure more security in your purchases.
Today you will know the complete analysis about the Chase Sapphire Preferred Credit Card by understanding everything about it, especially its benefits and fees. So, keep reading to understand if it’s worth it for you.
Chase Sapphire Preferred Key Benefits
1. 100.000 pontos extras no Chase Sapphire Preferred Credit
At first, as soon as you purchase the Chase Sapphire Preferred Credit Card you can earn 100,000 extra points.
To do this, it’s very simple, you just need to spend US$ 5,000.00 in the first three months. It is important to note that this benefit is only valid for this period.
2. Points Program (Chase Sapphire Preferred Credit Card)
Plus, with it, every trip booked through Chase Travel℠ earns you five points per dollar.
In addition, you earn 3 points per dollar in restaurants, streaming services and also in grocery purchases made online, that is, now the purchases you have always made on a daily basis will earn you miles.
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For all other travel purchases, you accumulate double points, while other day-to-day expenses continue to earn points normally. The card also offers an annual credit of US$ 50 to be used on hotel reservations made by Chase Travel, making the experience even more advantageous.
3. Hotel discounts
If you want to get the most out of your points, Chase Sapphire Preferred® delivers an advantage that really makes a difference.
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When you use your points to book tickets, hotels, car rentals or cruises through Chase Travel℠, each point is worth 25% more.
4. Chase Sapphire Preferred Partners
At first, Chase Sapphire Preferred® raises the value of your points even more. Basically, you can transfer your points to various frequent travel programs in a 1-to-1 ratio. This way, each accumulated point retains its total value when converted.
Among the partners are some of the largest airlines in the world, such as
- Air Canada;
- Emirates;
- Air France;
- KLM, British Airways;
- United.
This gives you the freedom to use your points the way you want. If your preference is for accommodations, the card also allows you to transfer points to chains such as Marriott Bonvoy®, IHG® and World of Hyatt®.
5. DashPass Subscription (Chase Sapphire Preferred Credit Card)
If you already participate in airline or hotel chain loyalty programs, Chase Sapphire Preferred® can take your rewards to another level. With it, you can transfer your points to various travel programs in a 1-to-1 ratio, ensuring that each point is still worth exactly what you accumulated.
The list of partners includes some of the world’s largest and most respected airlines, such as Air Canada, Emirates, Air France, KLM, British Airways, United, among others. This gives you the freedom to plan your trips more flexibly and still maximize the benefits. And if your focus is accommodation, points can also be transferred to renowned chains such as Marriott Bonvoy®, IHG® and World of Hyatt®.
The possibility of moving your points freely, maintaining the value and expanding the options, is one of the great differentials of Chase Sapphire Preferred®. An ideal choice for those who want to travel more, better and the way they want.
6. Baggage delay insurance
Unforeseen events happen, but with Chase Sapphire Preferred® you don’t have to let a baggage delay ruin your trip.
If your bag takes more than six hours to arrive, the card offers reimbursement of up to $100 per day, for up to five days, to cover essential purchases such as clothing and personal hygiene items.
It is a practical way to ensure comfort and safety, even when plans go off script.
7. Car Rental Coverage
When you rent a car with Chase Sapphire Preferred®, you can decline the rental company’s collision insurance and still be protected.
It is worth mentioning that the coverage offered by the card is primary, which means that it comes into action even before your personal insurance is covered.
It reimburses up to $60,000 in cases of theft or collision damage, as long as the rental vehicle has a market value of less than $125,000.
8. Travel and Emergency Assistance
In the event that your trip is interrupted by a delay of more than 12 hours or requires an additional night away from home, Chase Sapphire Preferred® has you covered.
With reimbursement of up to $500 per covered traveler, you can afford expenses such as meals and lodging without leaving your pocket.
So you have peace of mind knowing that even when plans change, you’re still in control.
9. Extended warranty protection
At first, with Chase Sapphire Preferred®, your purchases gain an extra layer of security.
It works like this, the extended warranty protection extends the original manufacturer’s warranty for another year, on products with coverage of up to three years. In this way, you can count on up to four years of total protection from the date of purchase, ensuring more peace of mind in each purchase.
10. Customer Service
Using Chase Sapphire Preferred®, you can be sure that you will not be alone.
The card gives you access to a 24/7 customer service specialist from virtually anywhere in the world.
Whether to answer questions, solve unforeseen events or track your purchases more safely. So you can count on dedicated support whenever you need it.
Additional fees and fees
Chase Sapphire Preferred® offers excellent value for money with an affordable annual fee of $95, especially considering all the benefits that the card delivers.
Interest rates range between 19.99% and 28.24% per year for purchases and balance transfers, while cash advances are subject to a 5% fee (with a minimum of $10) and a variable APR of 29.24%.
Also be aware of the penalties in case of delay, which can lead to an APR of up to 29.99%, and the 5% fee on balance transfers (minimum $5).
On the other hand, those who travel abroad benefit, as the card does not charge any fees on international transactions.
Basically, these are all the costs you’ll have when using the Chase Sapphire Preferred card®. As you can see, it is not one of the cards with the lowest fees, if this is a priority for you, we recommend that you get to know the low interest credit card.
Conclusion
Now, you know all the benefits of the Chase Sapphire Preferred® credit card, it is clear that it is one of the most complete and versatile options for those looking to benefit from every dollar spent.
With its 100,000-point welcome bonus, a great rewards program, great perks with transfer partners, and additional protections like travel assistance, car rental coverage, and extended warranties, this card goes far beyond the basics.
While other cards may offer premium experiences, Sapphire Preferred delivers an excellent balance between value and money, with an affordable annual fee and real perks for both everyday life and your next trips.
So, if you want to turn your spending into achievements, this card may be just what you’re looking for.